Defence Personnel Home Loans
Mortgage guidance for ADF members and veterans, with your service circumstances, housing plans and upcoming postings in view.
Request a free consultationBring your loan and service plans together
Bradley helps you work through the lending questions around buying, refinancing and changing locations. DVA and Defence determine scheme entitlements; the lender separately assesses your home loan application.
- DHOAS: Eligibility and available service credit depend on your service history and scheme conditions. Confirm your position with DVA before relying on a subsidy. Check DHOAS eligibility.
- HPAS and HPSEA: These address purchase assistance and eligible sale or purchase expenses. They have separate rules. Our Defence housing guide explains the differences.
- Your wider budget: Bring your current housing costs, expected moving dates and any confirmed assistance into the loan comparison. Include the cash needed before reimbursement.
How we can help
- Describe where you want to buy or refinance, your intended occupancy and any expected service changes.
- We identify lending documents and questions to confirm with DVA or Defence.
- We compare available loan options and costs, explain any limits on our lender access, and support the application you choose.
Defence has appointed Australian Military Bank, Defence Bank and NAB as DHOAS providers. That is the scheme’s provider list, not confirmation of Axon’s access to every product. Check the current DHOAS provider list and discuss the available application route with us.
Check the timing before you commit
- Applying or refinancing: A DHOAS certificate expires after 12 months. Loan changes can require a new certificate. See the certificate rules.
- Moving out: Check occupancy conditions with DVA before a posting or change of use. A refinance can restart the required occupancy period. See the occupancy guidance.
- Leaving service: Separation can change DHOAS entitlements. Obtain advice about your remaining certificate opportunity before restructuring a loan. See the separation provisions.
Common questions
Does a DHOAS certificate mean my loan is approved?
No. The lender makes its own credit decision. Scheme conditions also need to be met before payments start. Our DHOAS guide covers the steps from certificate to payment.
Can I receive help with the deposit?
Discuss your savings and confirmed assistance separately. A DHOAS lump sum is paid into the loan after drawdown and is not available as an upfront deposit. See DVA’s lump-sum conditions.
Can HPAS, HPSEA and DHOAS be combined?
Each scheme requires a separate eligibility check. Read our scheme-interaction guide and confirm your claim history with Defence and DVA.
What if I already own a home?
Bring the current loan, ownership and occupancy details. These help frame a refinance discussion and questions about existing housing benefits. Our HPSEA guide also covers a subsequent sale or purchase.
Read our DHOAS guide · Estimate repayments
Information reviewed 9 September 2026 against the official sources linked above. Eligibility and lender policies can change. Defence and DVA confirm scheme entitlements; the lender assesses the loan.
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